Specific process:
1. Apply to the bank for prepayment.
2. Repay in advance, and get settlement vouchers, other warrants and other information.
3. Take the information issued by the bank, the real estate license and the property owner's ID card to the Housing Authority to go through the mortgage cancellation procedures with the loan bank.
4. The current property owner and the * * * person bring their ID cards, household registration books and marriage certificates to the Housing Authority to go through the formalities of adding the * * * person to change its name or transfer ownership.
Can a house with outstanding loans be bought and sold and renamed? To apply for personal housing loan in our bank, if you need to go through the relevant procedures such as real estate license, new/changed property rights, etc. During this period, you can contact the loan handling bank or the local post-loan service center for consultation and confirmation.
Can the outstanding provident fund loan house be renamed? If it is a housing provident fund loan handled by our bank, if it is necessary to change the property owner during the period, you can contact the loan handling bank or the local post-loan service center for consultation and confirmation, because the relevant regulations in each city are different.
Can the house with outstanding loan be transferred? If the house is renamed, it must be transferred or donated. You can't use the man's provident fund loan under your wife's name! You can pay off the loan first, redeem the certificate, and then transfer or give it normally, or you can leave it to the intermediary company without repaying the loan. After the intermediary company advances the loan and redeems the certificate, you can transfer the ownership or give it. But there will be a certain fee. If you want to repay the loan in advance, you can't apply until one year after the loan is issued. It doesn't cost anything, just pay the monthly payment in advance!
If the loan has not been repaid, can the ownership of the house be renamed as a minor? Hello, if you give the house to the child, you need to change it to the child's name. However, the child is now underage and cannot handle property transfer. But you can sign an agreement to prove that the house belongs to the child.
Can the house with outstanding loan be sold? Can be funded by the guarantee company.
First sign a bank loan contract and evaluate the real estate.
Lending approval
Advance payment, cancellation of mortgage, and re-registration of mortgage.
transfer
loan
Can a house with outstanding provident fund loans be renamed? The essence of provident fund loan is housing mortgage loan, but the lender is the provident fund management center. After the house is mortgaged, the right to dispose of it belongs to the mortgagee (that is, the provident fund management center), and the property right may not be changed without its written authorization. Under normal circumstances, only after you pay off the loan can the mortgagee cooperate to cancel the mortgage of the house, and then you can transfer the ownership.
As for the case of adding a name in marriage (that is, adding a spouse's name to the property), the regulations of the housing transaction centers in different places are different, which requires consultation, and the written consent of the provident fund management center must be obtained when actually handling it.
Can the house with outstanding housing loan be transferred? number
The loan has not been paid off, that is, the house has not been completely disposed of.
Does not meet the transfer conditions.
The house to be transferred must have the right to dispose of it.
The loan has not been repaid. Can a house with a real estate license be sold? It depends on which bank you run to.
Generally, big banks such as ICBC and CCB can only repay their loans one year in advance. China Merchants Bank can pay it back in advance as long as 1 month.
Housing monopoly, we must first repay the loan, get the original property certificate, in order to sell. Because there is no real estate license, the next home will generally not buy it. Then go through the transfer formalities at the exchange. At present, houses resold for two years are generally exempt from business tax.
If your house loan has not been paid off in one lump sum, you can find an intermediary. They have a special loan repayment service, but it usually takes 7- 14 days, and a certain fee is charged. You can ask the buyer to bear the agency fee, and you only accept the house payment network.